One private place for everything your household owns, owes and pays — and a clear handover your family could pick up tomorrow.
So the people you love never have to work it out without you.
Invite-only while we work closely with our first households.
How it starts
Statements, bills, pension letters, valuations, insurance schedules — PDFs or photos, as they are. Oikome reads each one and suggests where it belongs.
Drop in anything.
A bank statement, a pension letter, a valuation, a screenshot from your banking app.
You decide what goes in.
Each document comes back as suggestions: a new account, an updated balance, a bill to track. Nothing changes until you accept.
The file itself is never kept.
It's read and discarded. For a passport we note that it exists and when it expires, never the number.
Your financial life doesn't live in one place. It lives in eleven apps, four banks, a folder of PDFs, and your head. The bank knows one account. The spreadsheet is three months stale. And the one person who understands how it all fits together... is you. That's the single point of failure Oikome exists to remove.
Every account, asset, debt, regular bill and key contact, kept current from the documents you already have. No bank logins.
Cash flow projected forward, life events laid out, and what-ifs you type in plain English: “What if we delay the renovation two years?”
A second, plain-English screen for the people who don't live in spreadsheets: where things stand, what gets paid, who to call.
A single printable report of where everything is and who to contact — the thing your family would need on day one.
Your data is walled off at the database layer. Every record is row-level secured to your account — enforced by the database itself, not just the app. This isolation has been explicitly audited.
Your documents are never kept. Statements, bills, letters, valuations — each one is read and discarded. The file is never written to storage. What stays is the suggestions you accept. To read a document, it's sent to an AI service for that one request; nothing enters your register until you accept.
No bank credentials. Oikome never asks for your banking logins. You start from the documents you already have.
Encrypted in transit and at rest. Hosted in the EU (Ireland).
We don't give advice. Oikome shows your own figures and projections. It does not recommend investments, products or tax moves.
Honest about the rest. We're a small company, and we treat that as a security feature: a written access policy means your data is never viewed except for a support request you initiate or a security incident — and we'll always tell you exactly what we can and can't see, rather than hiding behind compliance badges.
No. There are no bank logins. You start from statements and documents you already have.
Any. You choose a base currency in Settings and every total is shown in it; accounts held in other currencies are converted at the day's rate.
No. It shows your own figures and what they add up to. It never recommends investments, products or tax moves.
The suggestions you accept and the name of the file they came from. Never the file itself.
The family view is yours to show them on your own login. Separate logins for family members are on the roadmap.
It's free for invited households during early access. We'll say clearly before that changes.
Leave your email and we'll send you an invite code. Create your account with it, then start with what's in the drawer — or switch on the example household first to look around.
Already have a code? Create your account
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